Pandas Profiling Report

Dataset statistics

Number of variables	19
Number of observations	110000
Missing cells	105605
Missing cells (%)	5.1%
Duplicate rows	11754
Duplicate rows (%)	10.7%
Total size in memory	15.9 MiB
Average record size in memory	152.0 B

Variable types

NUM	12
CAT	7

Reproduction

Analysis started	2021-03-22 16:38:15.529571
Analysis finished	2021-03-22 16:39:26.474066
Duration	1 minute and 10.94 seconds
Version	pandas-profiling v2.8.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

Warnings

Dataset has 11754 (10.7%) duplicate rows	Duplicates
`Loan ID` has a high cardinality: 88354 distinct values	High cardinality
`Customer ID` has a high cardinality: 88354 distinct values	High cardinality
`Credit Score` has 21135 (19.2%) missing values	Missing
`Annual Income` has 21135 (19.2%) missing values	Missing
`Years in current job` has 4649 (4.2%) missing values	Missing
`Months since last delinquent` has 58447 (53.1%) missing values	Missing
`Annual Income` is highly skewed (γ1 = 44.99481956)	Skewed
`Maximum Open Credit` is highly skewed (γ1 = 138.1501683)	Skewed
`Loan ID` is uniformly distributed	Uniform
`Customer ID` is uniformly distributed	Uniform
`Number of Credit Problems` has 94688 (86.1%) zeros	Zeros
`Bankruptcies` has 97669 (88.8%) zeros	Zeros
`Tax Liens` has 107872 (98.1%) zeros	Zeros

Loan ID
Categorical

HIGH CARDINALITY
UNIFORM

Distinct count	88354
Unique (%)	80.3%
Missing	0
Missing (%)	0.0%
Memory size	859.4 KiB

5242ffbc-c33e-4b68-967f-68582a35b014	2
88af1b78-bac7-4a81-874f-b25be4d1116d	2
ba12554d-f81a-4250-bf8a-3f6f19110cee	2
85622249-9ed4-4174-b4b3-5fd3bbdc2bd7	2
1cc4bb6a-cd15-43f7-a7c1-e0e10b399359	2
Other values (88349)	109990

Common Values
Length

Value	Count	Frequency (%)
5242ffbc-c33e-4b68-967f-68582a35b014	2	< 0.1%
88af1b78-bac7-4a81-874f-b25be4d1116d	2	< 0.1%
ba12554d-f81a-4250-bf8a-3f6f19110cee	2	< 0.1%
85622249-9ed4-4174-b4b3-5fd3bbdc2bd7	2	< 0.1%
1cc4bb6a-cd15-43f7-a7c1-e0e10b399359	2	< 0.1%
3484cd61-d9e4-4f54-963f-2792b42adbea	2	< 0.1%
121f4711-bcb9-4e7a-86c6-a4d56743031d	2	< 0.1%
e95c1044-3989-4c3c-b3f0-2c18c9abbd73	2	< 0.1%
e65b73a0-94bf-4119-afcb-38a9ef338ae5	2	< 0.1%
a1105c75-ee33-460f-b0db-40904e380ee4	2	< 0.1%
Other values (88344)	109980	> 99.9%

Length

Max length	36
Median length	36
Mean length	36
Min length	36

Customer ID
Categorical

HIGH CARDINALITY
UNIFORM

Distinct count	88354
Unique (%)	80.3%
Missing	0
Missing (%)	0.0%
Memory size	859.4 KiB

7274ca68-e768-4396-a945-1f68685ab21c	2
05c0a15f-812b-4d86-bcd2-30c2e1b55c0f	2
12ab2e43-b6dd-42f2-82f7-4bbdfc38e08a	2
f6c2125f-2310-4027-bcd5-48ae40b8d48f	2
83375a14-3b11-47e3-adcc-aba68b9aa3a4	2
Other values (88349)	109990

Common Values
Length

Value	Count	Frequency (%)
7274ca68-e768-4396-a945-1f68685ab21c	2	< 0.1%
05c0a15f-812b-4d86-bcd2-30c2e1b55c0f	2	< 0.1%
12ab2e43-b6dd-42f2-82f7-4bbdfc38e08a	2	< 0.1%
f6c2125f-2310-4027-bcd5-48ae40b8d48f	2	< 0.1%
83375a14-3b11-47e3-adcc-aba68b9aa3a4	2	< 0.1%
f71fa7f1-1b1a-4854-8ce4-9eb38fe50dfe	2	< 0.1%
1e5ea8eb-ceeb-4d0d-a77a-69d29ffaa5f5	2	< 0.1%
b4f98d59-921f-4e94-8017-fef1fb0bec84	2	< 0.1%
ed8ca528-b5a2-4839-85bb-01ed226ed8f8	2	< 0.1%
040a5b08-32b2-40db-a2bd-09a0d85e2c75	2	< 0.1%
Other values (88344)	109980	> 99.9%

Length

Max length	36
Median length	36
Mean length	36
Min length	36

Loan Status
Categorical

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	859.4 KiB

Fully Paid	85054
Charged Off	24946

Common Values
Length

Value	Count	Frequency (%)
Fully Paid	85054	77.3%
Charged Off	24946	22.7%

Length

Max length	11
Median length	10
Mean length	10.22678182
Min length	10

Current Loan Amount
Real number (ℝ_≥0)

Distinct count	22502
Unique (%)	20.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	11746206.8279
Minimum	10802
Maximum	99999999
Zeros	0
Zeros (%)	0.0%
Memory size	859.4 KiB

Quantile statistics

Minimum	10802
5-th percentile	75944
Q1	179586
median	312026
Q3	523930
95-th percentile	99999999
Maximum	99999999
Range	99989197
Interquartile range (IQR)	344344

Descriptive statistics

Standard deviation	31767162.18
Coefficient of variation (CV)	2.704461333
Kurtosis	3.847793408
Mean	11746206.83
Median Absolute Deviation (MAD)	147312
Skewness	2.418145009
Sum	1.292082751e+12
Variance	1.009152593e+15

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
99999999	12617	11.5%
223322	31	< 0.1%
223652	30	< 0.1%
216194	30	< 0.1%
223102	29	< 0.1%
216810	28	< 0.1%
108966	28	< 0.1%
218702	27	< 0.1%
222266	27	< 0.1%
222596	27	< 0.1%
Other values (22492)	97126	88.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
10802	1	< 0.1%
11242	1	< 0.1%
15422	2	< 0.1%
19470	1	< 0.1%
21098	1	< 0.1%

Value	Count	Frequency (%)
99999999	12617	11.5%
789250	3	< 0.1%
789184	6	< 0.1%
789096	17	< 0.1%
789030	12	< 0.1%

Term
Categorical

Distinct count	2
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	859.4 KiB

Short Term	79503
Long Term	30497

Common Values
Length

Value	Count	Frequency (%)
Short Term	79503	72.3%
Long Term	30497	27.7%

Length

Max length	10
Median length	10
Mean length	9.722754545
Min length	9

Credit Score
Real number (ℝ_≥0)

MISSING

Distinct count	326
Unique (%)	0.4%
Missing	21135
Missing (%)	19.2%
Infinite	0
Infinite (%)	0.0%

Mean	1076.594643560457
Minimum	585.0
Maximum	7510.0
Zeros	0
Zeros (%)	0.0%
Memory size	859.4 KiB

Quantile statistics

Minimum	585
5-th percentile	662
Q1	705
median	724
Q3	741
95-th percentile	6700
Maximum	7510
Range	6925
Interquartile range (IQR)	36

Descriptive statistics

Standard deviation	1475.581902
Coefficient of variation (CV)	1.370601193
Kurtosis	12.96574859
Mean	1076.594644
Median Absolute Deviation (MAD)	17
Skewness	3.862453899
Sum	95671583
Variance	2177341.951

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
747	2022	1.8%
740	1941	1.8%
746	1919	1.7%
741	1907	1.7%
742	1899	1.7%
739	1788	1.6%
745	1769	1.6%
748	1755	1.6%
743	1705	1.6%
725	1701	1.5%
Other values (316)	70459	64.1%
(Missing)	21135	19.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
585	13	< 0.1%
586	8	< 0.1%
587	12	< 0.1%
588	21	< 0.1%
589	6	< 0.1%

Value	Count	Frequency (%)
7510	10	< 0.1%
7500	27	< 0.1%
7490	24	< 0.1%
7480	48	< 0.1%
7470	54	< 0.1%

Annual Income
Real number (ℝ_≥0)

MISSING
SKEWED

Distinct count	37853
Unique (%)	42.6%
Missing	21135
Missing (%)	19.2%
Infinite	0
Infinite (%)	0.0%

Mean	1377449.0304394306
Minimum	76627.0
Maximum	165557393.0
Zeros	0
Zeros (%)	0.0%
Memory size	859.4 KiB

Quantile statistics

Minimum	76627
5-th percentile	519859
Q1	848844
median	1173459
Q3	1651670
95-th percentile	2808675
Maximum	165557393
Range	165480766
Interquartile range (IQR)	802826

Descriptive statistics

Standard deviation	1063919.586
Coefficient of variation (CV)	0.7723839955
Kurtosis	6433.206718
Mean	1377449.03
Median Absolute Deviation (MAD)	381197
Skewness	44.99481956
Sum	1.224070081e+11
Variance	1.131924885e+12

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
1162572	25	< 0.1%
969475	20	< 0.1%
973370	20	< 0.1%
1137492	18	< 0.1%
953230	18	< 0.1%
1140000	18	< 0.1%
1143762	18	< 0.1%
965675	17	< 0.1%
1146612	17	< 0.1%
1112640	17	< 0.1%
Other values (37843)	88677	80.6%
(Missing)	21135	19.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
76627	1	< 0.1%
81092	2	< 0.1%
91485	1	< 0.1%
94867	1	< 0.1%
97033	1	< 0.1%

Value	Count	Frequency (%)
165557393	1	< 0.1%
36475440	1	< 0.1%
30838995	1	< 0.1%
28095300	1	< 0.1%
24161540	1	< 0.1%

Years in current job
Categorical

MISSING

Distinct count	11
Unique (%)	< 0.1%
Missing	4649
Missing (%)	4.2%
Memory size	859.4 KiB

10+ years	34206
2 years	10050
3 years	9035
< 1 year	8959
5 years	7483
Other values (6)	35618

Common Values
Length

Value	Count	Frequency (%)
10+ years	34206	31.1%
2 years	10050	9.1%
3 years	9035	8.2%
< 1 year	8959	8.1%
5 years	7483	6.8%
1 year	7108	6.5%
4 years	6756	6.1%
6 years	6252	5.7%
7 years	6131	5.6%
8 years	5054	4.6%
(Missing)	4649	4.2%

Length

Max length	9
Median length	7
Mean length	7.4697
Min length	3

Home Ownership
Categorical

Distinct count	4
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	859.4 KiB

Home Mortgage	53277
Rent	46397
Own Home	10096
HaveMortgage	230

Common Values
Length

Value	Count	Frequency (%)
Home Mortgage	53277	48.4%
Rent	46397	42.2%
Own Home	10096	9.2%
HaveMortgage	230	0.2%

Length

Max length	13
Median length	8
Mean length	8.742881818
Min length	4

Purpose
Categorical

Distinct count	16
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	859.4 KiB

Debt Consolidation	86430
other	6598
Home Improvements	6432
Other	3558
Business Loan	1732
Other values (11)	5250

Common Values
Length

Value	Count	Frequency (%)
Debt Consolidation	86430	78.6%
other	6598	6.0%
Home Improvements	6432	5.8%
Other	3558	3.2%
Business Loan	1732	1.6%
Buy a Car	1407	1.3%
Medical Bills	1240	1.1%
Buy House	748	0.7%
Take a Trip	617	0.6%
major_purchase	404	0.4%
Other values (6)	834	0.8%

Length

Max length	20
Median length	18
Mean length	16.32622727
Min length	5

Monthly Debt
Real number (ℝ_≥0)

Distinct count	69750
Unique (%)	63.4%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	18468.526823363638
Minimum	0.0
Maximum	435843.28
Zeros	82
Zeros (%)	0.1%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	3696.222
Q1	10211.93
median	16202.44
Q3	23997.5225
95-th percentile	40491.8975
Maximum	435843.28
Range	435843.28
Interquartile range (IQR)	13785.5925

Descriptive statistics

Standard deviation	12195.56439
Coefficient of variation (CV)	0.6603431074
Kurtosis	21.4810842
Mean	18468.52682
Median Absolute Deviation (MAD)	6714.125
Skewness	2.217005718
Sum	2031537951
Variance	148731790.8

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	82	0.1%
15903	10	< 0.1%
10647.98	9	< 0.1%
18710.25	9	< 0.1%
14726.52	9	< 0.1%
15343.07	9	< 0.1%
12907.08	9	< 0.1%
11162.88	9	< 0.1%
13033.43	8	< 0.1%
12656.47	8	< 0.1%
Other values (69740)	109838	99.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	82	0.1%
7.41	2	< 0.1%
12.92	1	< 0.1%
17.1	1	< 0.1%
19.57	1	< 0.1%

Value	Count	Frequency (%)
435843.28	1	< 0.1%
229057.92	2	< 0.1%
205801.35	1	< 0.1%
173265.56	2	< 0.1%
172156.15	1	< 0.1%

Years of Credit History
Real number (ℝ_≥0)

Distinct count	507
Unique (%)	0.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	18.20248545454545
Minimum	3.6
Maximum	70.5
Zeros	0
Zeros (%)	0.0%
Memory size	859.4 KiB

Quantile statistics

Minimum	3.6
5-th percentile	9
Q1	13.5
median	16.9
Q3	21.7
95-th percentile	31.7
Maximum	70.5
Range	66.9
Interquartile range (IQR)	8.2

Descriptive statistics

Standard deviation	7.015575411
Coefficient of variation (CV)	0.3854185424
Kurtosis	1.741236513
Mean	18.20248545
Median Absolute Deviation (MAD)	4
Skewness	1.071562695
Sum	2002273.4
Variance	49.21829835

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
16	1481	1.3%
15	1418	1.3%
17	1346	1.2%
16.5	1297	1.2%
14	1281	1.2%
15.4	1190	1.1%
13	1137	1.0%
17.5	1114	1.0%
14.5	1084	1.0%
18	1045	0.9%
Other values (497)	97607	88.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
3.6	1	< 0.1%
3.7	2	< 0.1%
3.8	4	< 0.1%
3.9	4	< 0.1%
4	7	< 0.1%

Value	Count	Frequency (%)
70.5	1	< 0.1%
65	2	< 0.1%
62.5	1	< 0.1%
60.5	2	< 0.1%
59.9	1	< 0.1%

Months since last delinquent
Real number (ℝ_≥0)

MISSING

Distinct count	116
Unique (%)	0.2%
Missing	58447
Missing (%)	53.1%
Infinite	0
Infinite (%)	0.0%

Mean	34.90708591158614
Minimum	0.0
Maximum	176.0
Zeros	233
Zeros (%)	0.2%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	5
Q1	16
median	32
Q3	51
95-th percentile	75
Maximum	176
Range	176
Interquartile range (IQR)	35

Descriptive statistics

Standard deviation	21.96531522
Coefficient of variation (CV)	0.6292508997
Kurtosis	-0.7457595789
Mean	34.90708591
Median Absolute Deviation (MAD)	17
Skewness	0.4353747213
Sum	1799565
Variance	482.4750726

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
12	994	0.9%
13	991	0.9%
15	974	0.9%
14	944	0.9%
9	943	0.9%
8	943	0.9%
18	931	0.8%
10	930	0.8%
6	921	0.8%
16	921	0.8%
Other values (106)	42061	38.2%
(Missing)	58447	53.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	233	0.2%
1	308	0.3%
2	459	0.4%
3	491	0.4%
4	557	0.5%

Value	Count	Frequency (%)
176	2	< 0.1%
152	1	< 0.1%
148	1	< 0.1%
143	1	< 0.1%
141	1	< 0.1%

Number of Open Accounts
Real number (ℝ_≥0)

Distinct count	52
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	11.124490909090909
Minimum	0
Maximum	76
Zeros	2
Zeros (%)	< 0.1%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	5
Q1	8
median	10
Q3	14
95-th percentile	20
Maximum	76
Range	76
Interquartile range (IQR)	6

Descriptive statistics

Standard deviation	5.01109345
Coefficient of variation (CV)	0.4504559796
Kurtosis	3.055216122
Mean	11.12449091
Median Absolute Deviation (MAD)	3
Skewness	1.184541437
Sum	1223694
Variance	25.11105757

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
9	10258	9.3%
10	9980	9.1%
8	9705	8.8%
11	9447	8.6%
7	8973	8.2%
12	8142	7.4%
6	7442	6.8%
13	6826	6.2%
14	5712	5.2%
5	5197	4.7%
Other values (42)	28318	25.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2	< 0.1%
1	27	< 0.1%
2	483	0.4%
3	1489	1.4%
4	3140	2.9%

Value	Count	Frequency (%)
76	2	< 0.1%
56	2	< 0.1%
55	1	< 0.1%
52	2	< 0.1%
48	4	< 0.1%

Number of Credit Problems
Real number (ℝ_≥0)

ZEROS

Distinct count	14
Unique (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.16805454545454546
Minimum	0
Maximum	15
Zeros	94688
Zeros (%)	86.1%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	15
Range	15
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.4843888211
Coefficient of variation (CV)	2.882330971
Kurtosis	49.49085709
Mean	0.1680545455
Median Absolute Deviation (MAD)	0
Skewness	4.912341009
Sum	18486
Variance	0.23463253

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	94688	86.1%
1	13235	12.0%
2	1426	1.3%
3	416	0.4%
4	135	0.1%
5	57	0.1%
6	19	< 0.1%
7	8	< 0.1%
9	5	< 0.1%
8	4	< 0.1%
Other values (4)	7	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	94688	86.1%
1	13235	12.0%
2	1426	1.3%
3	416	0.4%
4	135	0.1%

Value	Count	Frequency (%)
15	1	< 0.1%
12	1	< 0.1%
11	2	< 0.1%
10	3	< 0.1%
9	5	< 0.1%

Current Credit Balance
Real number (ℝ_≥0)

Distinct count	33641
Unique (%)	30.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	294282.17156363634
Minimum	0
Maximum	32878968
Zeros	627
Zeros (%)	0.6%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	30399.05
Q1	112195
median	209665
Q3	367483.75
95-th percentile	760402.8
Maximum	32878968
Range	32878968
Interquartile range (IQR)	255288.75

Descriptive statistics

Standard deviation	377277.2719
Coefficient of variation (CV)	1.282025581
Kurtosis	673.3052374
Mean	294282.1716
Median Absolute Deviation (MAD)	115140
Skewness	14.22660366
Sum	3.237103887e+10
Variance	1.423381399e+11

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	627	0.6%
67697	19	< 0.1%
100301	18	< 0.1%
137807	18	< 0.1%
90782	17	< 0.1%
65683	17	< 0.1%
175978	17	< 0.1%
88426	17	< 0.1%
171836	16	< 0.1%
104747	16	< 0.1%
Other values (33631)	109218	99.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	627	0.6%
19	12	< 0.1%
38	10	< 0.1%
57	7	< 0.1%
76	5	< 0.1%

Value	Count	Frequency (%)
32878968	1	< 0.1%
16237438	1	< 0.1%
12986956	2	< 0.1%
12746397	2	< 0.1%
11796435	2	< 0.1%

Maximum Open Credit
Real number (ℝ_≥0)

SKEWED

Distinct count	46468
Unique (%)	42.2%
Missing	2
Missing (%)	< 0.1%
Infinite	0
Infinite (%)	0.0%

Mean	754101.205331006
Minimum	0.0
Maximum	1539737892.0
Zeros	743
Zeros (%)	0.7%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	109934
Q1	273157.5
median	467390
Q3	783194.5
95-th percentile	1640320
Maximum	1539737892
Range	1539737892
Interquartile range (IQR)	510037

Descriptive statistics

Standard deviation	8014002.168
Coefficient of variation (CV)	10.62722366
Kurtosis	22216.17809
Mean	754101.2053
Median Absolute Deviation (MAD)	230758
Skewness	138.1501683
Sum	8.294962438e+10
Variance	6.422423075e+13

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	743	0.7%
237204	14	< 0.1%
163064	13	< 0.1%
376992	13	< 0.1%
323928	13	< 0.1%
107404	13	< 0.1%
242968	13	< 0.1%
236412	13	< 0.1%
246136	13	< 0.1%
298804	12	< 0.1%
Other values (46458)	109138	99.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	743	0.7%
4334	4	< 0.1%
4444	1	< 0.1%
5390	2	< 0.1%
6446	5	< 0.1%

Value	Count	Frequency (%)
1539737892	1	< 0.1%
1304726170	1	< 0.1%
980305260	1	< 0.1%
798255370	1	< 0.1%
632477736	1	< 0.1%

Bankruptcies
Real number (ℝ_≥0)

ZEROS

Distinct count	8
Unique (%)	< 0.1%
Missing	226
Missing (%)	0.2%
Infinite	0
Infinite (%)	0.0%

Mean	0.11761437134476288
Minimum	0.0
Maximum	7.0
Zeros	97669
Zeros (%)	88.8%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	7
Range	7
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.3512897492
Coefficient of variation (CV)	2.98679273
Kurtosis	18.2404431
Mean	0.1176143713
Median Absolute Deviation (MAD)	0
Skewness	3.495656707
Sum	12911
Variance	0.1234044879

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	97669	88.8%
1	11497	10.5%
2	463	0.4%
3	107	0.1%
4	27	< 0.1%
5	8	< 0.1%
6	2	< 0.1%
7	1	< 0.1%
(Missing)	226	0.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	97669	88.8%
1	11497	10.5%
2	463	0.4%
3	107	0.1%
4	27	< 0.1%

Value	Count	Frequency (%)
7	1	< 0.1%
6	2	< 0.1%
5	8	< 0.1%
4	27	< 0.1%
3	107	0.1%

Tax Liens
Real number (ℝ_≥0)

ZEROS

Distinct count	13
Unique (%)	< 0.1%
Missing	11
Missing (%)	< 0.1%
Infinite	0
Infinite (%)	0.0%

Mean	0.029448399385393086
Minimum	0.0
Maximum	15.0
Zeros	107872
Zeros (%)	98.1%
Memory size	859.4 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	0
Maximum	15
Range	15
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.2610544079
Coefficient of variation (CV)	8.864808049
Kurtosis	399.8374433
Mean	0.02944839939
Median Absolute Deviation (MAD)	0
Skewness	15.62301278
Sum	3239
Variance	0.06814940388

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
0	107872	98.1%
1	1474	1.3%
2	405	0.4%
3	124	0.1%
4	66	0.1%
5	18	< 0.1%
6	12	< 0.1%
7	7	< 0.1%
9	5	< 0.1%
8	2	< 0.1%
Other values (3)	4	< 0.1%
(Missing)	11	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	107872	98.1%
1	1474	1.3%
2	405	0.4%
3	124	0.1%
4	66	0.1%

Value	Count	Frequency (%)
15	1	< 0.1%
11	2	< 0.1%
10	1	< 0.1%
9	5	< 0.1%
8	2	< 0.1%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Phik (φk)

Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.

Cramér's V (φc)

Cramér's V is an association measure for nominal random variables. The coefficient ranges from 0 to 1, with 0 indicating independence and 1 indicating perfect association. The empirical estimators used for Cramér's V have been proved to be biased, even for large samples. We use a bias-corrected measure that has been proposed by Bergsma in 2013 that can be found here.

First rows

	Loan ID	Customer ID	Loan Status	Current Loan Amount	Term	Credit Score	Annual Income	Years in current job	Home Ownership	Purpose	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies
0	14dd8831-6af5-400b-83ec-68e61888a048	981165ec-3274-42f5-a3b4-d104041a9ca9	Fully Paid	445412	Short Term	709.0	1167493.0	8 years	Home Mortgage	Home Improvements	5214.74	17.2	NaN	6	1	228190	416746.0	1.0
1	4771cc26-131a-45db-b5aa-537ea4ba5342	2de017a3-2e01-49cb-a581-08169e83be29	Fully Paid	262328	Short Term	NaN	NaN	10+ years	Home Mortgage	Debt Consolidation	33295.98	21.1	8.0	35	0	229976	850784.0	0.0
2	4eed4e6a-aa2f-4c91-8651-ce984ee8fb26	5efb2b2b-bf11-4dfd-a572-3761a2694725	Fully Paid	99999999	Short Term	741.0	2231892.0	8 years	Own Home	Debt Consolidation	29200.53	14.9	29.0	18	1	297996	750090.0	0.0
3	77598f7b-32e7-4e3b-a6e5-06ba0d98fe8a	e777faab-98ae-45af-9a86-7ce5b33b1011	Fully Paid	347666	Long Term	721.0	806949.0	3 years	Own Home	Debt Consolidation	8741.90	12.0	NaN	9	0	256329	386958.0	0.0
4	d4062e70-befa-4995-8643-a0de73938182	81536ad9-5ccf-4eb8-befb-47a4d608658e	Fully Paid	176220	Short Term	NaN	NaN	5 years	Rent	Debt Consolidation	20639.70	6.1	NaN	15	0	253460	427174.0	0.0
5	89d8cb0c-e5c2-4f54-b056-48a645c543dd	4ffe99d3-7f2a-44db-afc1-40943f1f9750	Charged Off	206602	Short Term	7290.0	896857.0	10+ years	Home Mortgage	Debt Consolidation	16367.74	17.3	NaN	6	0	215308	272448.0	0.0
6	273581de-85d8-4332-81a5-19b04ce68666	90a75dde-34d5-419c-90dc-1e58b04b3e35	Fully Paid	217646	Short Term	730.0	1184194.0	< 1 year	Home Mortgage	Debt Consolidation	10855.08	19.6	10.0	13	1	122170	272052.0	1.0
7	db0dc6e1-77ee-4826-acca-772f9039e1c7	018973c9-e316-4956-b363-67e134fb0931	Charged Off	648714	Long Term	NaN	NaN	< 1 year	Home Mortgage	Buy House	14806.13	8.2	8.0	15	0	193306	864204.0	0.0
8	8af915d9-9e91-44a0-b5a2-564a45c12089	af534dea-d27e-4fd6-9de8-efaa52a78ec0	Fully Paid	548746	Short Term	678.0	2559110.0	2 years	Rent	Debt Consolidation	18660.28	22.6	33.0	4	0	437171	555038.0	0.0
9	0b1c4e3d-bd97-45ce-9622-22732fcdc9a0	235c4a43-dadf-483d-aa44-9d6d77ae4583	Fully Paid	215952	Short Term	739.0	1454735.0	< 1 year	Rent	Debt Consolidation	39277.75	13.9	NaN	20	0	669560	1021460.0	0.0

Last rows

	Loan ID	Customer ID	Loan Status	Current Loan Amount	Term	Credit Score	Annual Income	Years in current job	Home Ownership	Purpose	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies
109990	91e26ead-810b-44a0-892f-d623e1e444a0	1e7cbdfe-d3a9-41a4-8416-3a23b08ef27b	Fully Paid	260128	Long Term	611.0	3182519.0	4 years	Home Mortgage	Debt Consolidation	79563.07	20.7	40.0	47	0	1398932	3673032.0	0.0
109991	0594e01c-4230-4280-8267-78cd0c46f720	0c7d45a9-ff22-489c-82c0-073d74c46fd0	Fully Paid	352704	Long Term	686.0	913824.0	3 years	Rent	Debt Consolidation	9595.19	9.0	NaN	5	0	299592	346214.0	0.0
109992	4d0d0e65-e9aa-43e4-8de0-8aa2869a9983	add5361a-e612-4c58-bd7d-414543250ebc	Fully Paid	428604	Long Term	697.0	2183043.0	6 years	Home Mortgage	Debt Consolidation	16882.07	22.1	NaN	10	0	385187	525316.0	0.0
109993	6f0b1e02-d222-4227-9161-b0c4fff4dd76	879d5bf4-6597-4f2b-ae7c-9deb68537c88	Charged Off	220858	Short Term	737.0	1234088.0	< 1 year	Rent	Debt Consolidation	20362.49	9.5	NaN	10	0	273353	409442.0	0.0
109994	a2701102-3cb0-46a6-8658-e6f20d950182	6dc5fa63-93f4-43a9-8192-2df57548287b	Fully Paid	442596	Short Term	739.0	1528968.0	7 years	Home Mortgage	Debt Consolidation	19494.38	16.7	79.0	11	0	419235	656876.0	0.0
109995	c4ab66f9-833c-43b8-879c-4f8bcb64dd14	8ee2002b-8fb6-4af0-ab74-25a1c23e7647	Charged Off	157806	Short Term	731.0	1514376.0	6 years	Rent	Debt Consolidation	4795.41	12.5	NaN	9	0	87058	234410.0	0.0
109996	bbd3a392-01b4-4e0e-9c28-b2a4a39beac7	6c306306-f5c2-4db5-b74a-af2895123ecb	Fully Paid	132550	Short Term	718.0	763192.0	4 years	Home Mortgage	Debt Consolidation	12401.87	9.9	20.0	8	0	74309	329692.0	0.0
109997	da9870de-4280-46a3-8fc6-91cfe5bfde9d	cc94e25e-1060-4465-b603-194e122f0239	Fully Paid	223212	Long Term	NaN	NaN	NaN	Rent	Debt Consolidation	4354.42	27.2	NaN	8	1	99636	568370.0	1.0
109998	0cc8e0e0-1bc6-49d7-ad0f-0598b647458f	f90cf410-a34b-49e7-8af9-2b405e17b827	Fully Paid	99999999	Short Term	721.0	972097.0	10+ years	Home Mortgage	Debt Consolidation	12232.20	16.8	24.0	8	1	184984	240658.0	0.0
109999	14f94b64-26c4-48fd-b916-1388d7adcc1d	f1838fa9-7ad9-44d5-97a6-7a6d3f3529d7	Fully Paid	99999999	Short Term	748.0	1079960.0	6 years	Home Mortgage	Debt Consolidation	12239.61	19.7	NaN	14	0	179018	607882.0	0.0

Most frequent

	Loan ID	Customer ID	Loan Status	Current Loan Amount	Term	Credit Score	Annual Income	Years in current job	Home Ownership	Purpose	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies	Tax Liens	count
0	0018f629-8cef-48bd-bb93-40179f24256c	1e96933c-3a01-46b2-975d-06c5a2b469c3	Fully Paid	66396	Short Term	711.0	535192.0	3 years	Rent	Debt Consolidation	9142.80	15.8	50.0	8	0	112347	307538.0	0.0	0.0	2
1	001a84a9-3fd5-4e82-9153-49325b996408	b282e6f9-2d09-4988-b579-6d90d104e70d	Fully Paid	180246	Long Term	658.0	858097.0	2 years	Rent	Other	10289.83	18.4	58.0	8	0	288553	440220.0	0.0	0.0	2
2	002f45ea-0555-4498-b56d-d1dffd3e4e05	12b867fc-b39e-48e1-9cd6-ff89a5352583	Fully Paid	314006	Short Term	720.0	1259092.0	10+ years	Home Mortgage	Debt Consolidation	6746.52	29.0	18.0	10	0	181374	443982.0	0.0	0.0	2
3	003665f5-adff-4fbb-903c-14d022fa6a08	80c0ee25-ec87-4e1f-aefc-e5bbd679cef1	Fully Paid	43692	Short Term	719.0	679079.0	9 years	HaveMortgage	Take a Trip	8601.68	11.0	69.0	5	5	16264	174328.0	1.0	4.0	2
4	003d60c3-3a4c-4b81-b0f4-3105c34ce2e8	9d1e355e-f80d-40a8-b582-d391baa0dce9	Fully Paid	194370	Short Term	714.0	991952.0	10+ years	Home Mortgage	other	11242.11	21.0	32.0	6	0	168017	448272.0	0.0	0.0	2
5	0046bac8-1053-4385-8ffe-93dcebd8ee7d	4c8dd1fd-1831-4d32-a6e4-cbe4702b2020	Fully Paid	515064	Long Term	724.0	1457851.0	8 years	Home Mortgage	Home Improvements	6900.42	28.5	49.0	11	0	52288	535854.0	0.0	0.0	2
6	00494add-bf6e-4f20-aaa2-03199d2356ee	de0ad0f6-aae0-4b65-befa-c8ce550aaa15	Fully Paid	262020	Long Term	716.0	1791472.0	9 years	Home Mortgage	Debt Consolidation	3866.50	22.7	46.0	7	0	109744	128898.0	0.0	0.0	2
7	0067ba84-881c-4622-a1e5-f9e8cf171844	f05a8b58-791f-4658-bbee-deeedc0c0cd9	Fully Paid	224488	Short Term	724.0	969380.0	4 years	Home Mortgage	Debt Consolidation	16075.71	17.9	36.0	7	0	118959	170676.0	0.0	0.0	2
8	006c5c9c-bd62-49f5-bfd4-b0cd69af7a83	613fb46d-39ec-49bb-9e8d-34e352a5adc0	Fully Paid	778866	Long Term	724.0	2498405.0	10+ years	Home Mortgage	Debt Consolidation	27690.60	18.4	66.0	6	0	655557	918984.0	0.0	0.0	2
9	0076c53b-8cba-4e9f-a432-13ba69c28fcc	719e6f4d-a191-402d-83be-ed0e11c86005	Fully Paid	197560	Short Term	711.0	817456.0	2 years	Own Home	Debt Consolidation	8719.67	11.1	76.0	4	0	47690	80278.0	0.0	0.0	2

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Phik (φk)

Cramér's V (φc)

Missing values

Sample

First rows

Last rows

Duplicate rows

Most frequent